# Top 50 Fintech Startups in Bay Area by Funding (2026)

> The 50 best-funded fintech startups in Bay Area, ranked by total funding raised: $22B combined. With founding year, headquarters and each company's rounds.

Source: https://millionrounds.com/top-lists/fintech-startups-bay-area (Millionrounds; every figure on the page links to its filing or article)

- 1 [**SoFi** SoFi is a finance company that offers a range of lending and wealth management services.](https://millionrounds.com/company/sofi) SoFi is a finance company that offers a range of lending and wealth management services. *Founded* - San Francisco, United States **$4.2B** last round Dec 2025
- 2 [**Robinhood** Trade stocks on Robinhood with commission-free investing & advanced trading tools.](https://millionrounds.com/company/robinhood) Trade stocks on Robinhood with commission-free investing & advanced trading tools. *Founded* 2013 Palo Alto, United States **$3.5B** last round Apr 2026
- 3 [**Affirm** Buy now pay later without the fees.](https://millionrounds.com/company/affirm) Buy now pay later without the fees. *Founded* - San Francisco, United States **$1.7B** last round Oct 2025
- 4 [**Upstart** Upstart connects millions of consumers to 100+ banks and credit unions who leverage Upstart's artificial intelligence models and cloud applications to deliver s](https://millionrounds.com/company/upstart) Upstart connects millions of consumers to 100+ banks and credit unions who leverage Upstart's artificial intelligence models and cloud applications to deliver s *Founded* - San Mateo, United States **$1.6B** last round Apr 2026
- 5 [**Stripe** Launch your startup quickly and cost effectively from anywhere in the world with Atlas.](https://millionrounds.com/company/stripe) Launch your startup quickly and cost effectively from anywhere in the world with Atlas. *Founded* 2018 San Francisco, United States **$1.0B** last round Mar 2026
- 6 [**Carta** Carta, Inc.](https://millionrounds.com/company/carta) Carta, Inc. *Founded* 2012 San Francisco, United States **$880M** last round Aug 2021
- 7 [**Hippo Insurance** Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties.](https://millionrounds.com/company/hippo-insurance) Hippo Insurance is an InsurTech company that uses technology to help homeowners maintain their properties. *Founded* 2015 San Jose, United States **$620M** last round Aug 2021
- 8 [**Ripple** Ripple is a leading American technology company focused on enhancing global cross-border payments through blockchain technology.](https://millionrounds.com/company/ripple) Ripple is a leading American technology company focused on enhancing global cross-border payments through blockchain technology. *Founded* 2012 San Francisco, United States **$596M** last round Nov 2025
- 9 [**Gusto** Gusto, Inc.](https://millionrounds.com/company/gusto) Gusto, Inc. *Founded* 2011 San Francisco, United States **$518M** last round Jul 2025
- 10 [**Brex** ``````oooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo``````oooooooooooooooooooooooooooooooo](https://millionrounds.com/company/brex) ``````oooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo``````oooooooooooooooooooooooooooooooo *Founded* 2017 San Francisco, United States **$517M** last round Jan 2025
- 11 [**Alpaca** Alpaca is a brokerage infrastructure company based in San Mateo, California, that specializes in providing an API-first platform for commission-free trading.](https://millionrounds.com/company/alpaca) Alpaca is a brokerage infrastructure company based in San Mateo, California, that specializes in providing an API-first platform for commission-free trading. *Founded* 2017 San Mateo, United States **$513M** last round Jul 2026
- 12 [**Point** Point Card is a financial tool that offers debit, overdraft facility, and credit card-like features.](https://millionrounds.com/company/point) Point Card is a financial tool that offers debit, overdraft facility, and credit card-like features. *Founded* 2018 San Francisco, United States **$427M** last round Nov 2025
- 13 [**SpotOn** SpotOn is a restaurant technology and financial services company based in San Francisco, California.](https://millionrounds.com/company/spoton) SpotOn is a restaurant technology and financial services company based in San Francisco, California. *Founded* 2017 San Francisco, United States **$346M** last round May 2022
- 14 [**Tipalti** Tipalti is a global payables automation platform that provides a cloud solution to scale and automate global payables operations.](https://millionrounds.com/company/tipalti) Tipalti is a global payables automation platform that provides a cloud solution to scale and automate global payables operations. *Founded* 2010 Foster City, United States **$333M** last round Sept 2025
- 15 [**Step** Step is a Dubai-based new media company founded in 2011 by Ray Dargham.](https://millionrounds.com/company/step) Step is a Dubai-based new media company founded in 2011 by Ray Dargham. *Founded* 2011 San Francisco, United States **$326M** last round Oct 2022
- 16 [**AppZen** AppZen is a leader in autonomous spend-to-pay software, providing an AI-powered platform designed for modern finance teams.](https://millionrounds.com/company/appzen) AppZen is a leader in autonomous spend-to-pay software, providing an AI-powered platform designed for modern finance teams. *Founded* 2012 Santa Clara, United States **$281M** last round Sept 2025
- 17 [**EarnIn** EarnIn gives people access to their pay directly from their smartphones, whenever they need it](https://millionrounds.com/company/earnin) EarnIn gives people access to their pay directly from their smartphones, whenever they need it *Founded* 2013 Mountain View, United States **$275M** last round Sept 2025
- 18 [**LendUp** LendUp is a socially responsible lender for the 56% of Americans shut out of mainstream banking due to low credit or volatile income.](https://millionrounds.com/company/lendup) LendUp is a socially responsible lender for the 56% of Americans shut out of mainstream banking due to low credit or volatile income. *Founded* 2011 Oakland, United States **$259M** last round Mar 2017
- 19 [**Flutterwave** Flutterwave is a prominent fintech company founded in Nigeria and based in San Francisco.](https://millionrounds.com/company/flutterwave) Flutterwave is a prominent fintech company founded in Nigeria and based in San Francisco. *Founded* 2016 San Francisco, United States **$250M** last round Jun 2026
- 20 [**Deserve Inc.** A mobile-first credit card platform that allows partners to offer superior personalized experiences for cardholders.](https://millionrounds.com/company/deserve-inc) A mobile-first credit card platform that allows partners to offer superior personalized experiences for cardholders. *Founded* 2013 Palo Alto, United States **$250M** last round May 2022
- 21 [**Reali** Reali was a real estate and fintech company that operated a digital platform to simplify the homeownership journey.](https://millionrounds.com/company/reali) Reali was a real estate and fintech company that operated a digital platform to simplify the homeownership journey. *Founded* 2016 San Mateo, United States **$240M** last round Aug 2021
- 22 [**Quantifind** Quantifind is a financial technology and data science company that focuses on AI-driven solutions for financial crime detection, risk management, and regulatory](https://millionrounds.com/company/quantifind) Quantifind is a financial technology and data science company that focuses on AI-driven solutions for financial crime detection, risk management, and regulatory *Founded* 2009 Palo Alto, United States **$234M** last round Jun 2026
- 23 [**Super.com** Super.com is a technology company based in San Francisco, specializing in fintech and commerce.](https://millionrounds.com/company/super-com) Super.com is a technology company based in San Francisco, specializing in fintech and commerce. *Founded* 2016 San Francisco, United States **$210M** last round Aug 2026
- 24 [**Wealthfront** Wealthfront integrates investing and saving products to help young professionals build long-term wealth in any market condition.](https://millionrounds.com/company/wealthfront) Wealthfront integrates investing and saving products to help young professionals build long-term wealth in any market condition. *Founded* 2008 Palo Alto, United States **$205M** last round Jan 2017
- 25 [**Rillet** Rillet is an AI-native accounting and ERP platform founded in 2021, designed to automate core finance workflows for SaaS, usage-based, high-growth, and public companies.](https://millionrounds.com/company/rillet) Rillet is an AI-native accounting and ERP platform founded in 2021, designed to automate core finance workflows for SaaS, usage-based, high-growth, and public companies. *Founded* 2021 San Francisco, United States **$195M** last round Aug 2026
- 26 [**YapStone** Yapstone is an payment processing platform for the vacation rental industry, providing an integrated way of accepting payments.](https://millionrounds.com/company/yapstone) Yapstone is an payment processing platform for the vacation rental industry, providing an integrated way of accepting payments. *Founded* 1999 Walnut Creek, United States **$183M** last round Feb 2018
- 27 [**Corgi** Corgi is an AI-native, full-stack insurance carrier based in San Francisco, specializing in customized commercial insurance products for startups, B2B SaaS comp](https://millionrounds.com/company/corgi) Corgi is an AI-native, full-stack insurance carrier based in San Francisco, specializing in customized commercial insurance products for startups, B2B SaaS comp *Founded* 2024 San Francisco, United States **$170M** last round Jul 2026
- 28 [**Branch International** Branch International is a fintech company founded in 2015, focused on providing financial services to the mobile generation in emerging markets, particularly in](https://millionrounds.com/company/branch-international) Branch International is a fintech company founded in 2015, focused on providing financial services to the mobile generation in emerging markets, particularly in *Founded* 2015 San Francisco, United States **$170M** last round Apr 2019
- 29 [**PayJoy** PayJoy provides credit to customers in emerging markets.](https://millionrounds.com/company/payjoy) PayJoy provides credit to customers in emerging markets. *Founded* 2015 San Francisco, United States **$169M** last round Dec 2025
- 30 [**Tribal** Tribal is a fintech company that facilitates financial management for emerging-market SMEs.](https://millionrounds.com/company/tribal) Tribal is a fintech company that facilitates financial management for emerging-market SMEs. *Founded* 2016 San Francisco, United States **$160M** last round May 2026
- 31 [**Thatch** Thatch is a health benefits platform that combines financial technology and insurance services.](https://millionrounds.com/company/thatch) Thatch is a health benefits platform that combines financial technology and insurance services. *Founded* 2021 San Francisco, United States **$151M** last round Sept 2026
- 32 [**Kountable** Kountable is a global trade and technology platform founded in 2015, headquartered in San Francisco, California, with additional offices in Nairobi, Kigali, and The Hague.](https://millionrounds.com/company/kountable) Kountable is a global trade and technology platform founded in 2015, headquartered in San Francisco, California, with additional offices in Nairobi, Kigali, and The Hague. *Founded* 2014 San Francisco, United States **$150M** last round Jan 2017
- 33 [**Federato** Federato is an AI-native underwriting platform designed for the property and casualty (P&C) insurance industry.](https://millionrounds.com/company/federato) Federato is an AI-native underwriting platform designed for the property and casualty (P&C) insurance industry. *Founded* 2020 San Francisco, United States **$140M** last round Nov 2025
- 34 [**Credit Sesame** Credit Sesame is a financial wellness fintech company based in Mountain View, California, founded in 2010.](https://millionrounds.com/company/credit-sesame) Credit Sesame is a financial wellness fintech company based in Mountain View, California, founded in 2010. *Founded* 2010 Mountain View, United States **$132M** last round Aug 2019
- 35 [**Human Interest** Human Interest is a technology-driven financial services company based in San Francisco, California, founded in 2015.](https://millionrounds.com/company/human-interest) Human Interest is a technology-driven financial services company based in San Francisco, California, founded in 2015. *Founded* 2015 San Francisco, United States **$126M** last round Oct 2025
- 36 [**Juniper Square** Juniper Square is a fintech company based in San Francisco, founded in 2014.](https://millionrounds.com/company/juniper-square) Juniper Square is a fintech company based in San Francisco, founded in 2014. *Founded* 2014 San Francisco, United States **$108M** last round Sept 2025
- 37 [**CoinTracker** CoinTracker is a financial technology company that specializes in cryptocurrency portfolio tracking and tax compliance software.](https://millionrounds.com/company/cointracker) CoinTracker is a financial technology company that specializes in cryptocurrency portfolio tracking and tax compliance software. *Founded* 2017 San Francisco, United States **$102M** last round Jan 2022
- 38 [**Parafin** Growing small businesses through embedded financial services enabled on the very platforms on which SMBs sell & transact](https://millionrounds.com/company/parafin) Growing small businesses through embedded financial services enabled on the very platforms on which SMBs sell & transact *Founded* 2020 San Francisco, United States **$100M** last round May 2026
- 39 [**Nova Credit** Nova Credit is a fintech and credit infrastructure company founded in 2016, focused on creating a more inclusive global financial system.](https://millionrounds.com/company/nova-credit) Nova Credit is a fintech and credit infrastructure company founded in 2016, focused on creating a more inclusive global financial system. *Founded* 2016 San Francisco, United States **$96M** last round Oct 2025
- 40 [**Sardine** SardineAI Corp is an AI-native technology company based in San Francisco, specializing in fraud prevention, anti-money laundering (AML) compliance, and credit-r](https://millionrounds.com/company/sardine) SardineAI Corp is an AI-native technology company based in San Francisco, specializing in fraud prevention, anti-money laundering (AML) compliance, and credit-r *Founded* 2020 San Francisco, United States **$95M** last round May 2026
- 41 [**Stampli** Stampli is an AI-powered accounts payable (AP) automation platform founded in 2014 by brothers Eyal and Ofer Feldman.](https://millionrounds.com/company/stampli) Stampli is an AI-powered accounts payable (AP) automation platform founded in 2014 by brothers Eyal and Ofer Feldman. *Founded* 2015 Mountain View, United States **$93M** last round Oct 2023
- 42 [**WeTravel** WeTravel is a technology platform tailored for multi-day group travel businesses.](https://millionrounds.com/company/wetravel) WeTravel is a technology platform tailored for multi-day group travel businesses. *Founded* 2016 San Francisco, United States **$92M** last round Sept 2025
- 43 [**Standard Cognition** Checkout Technologies creates AI powered technologies to reshape and enhance the relationship between physical retailers and shoppers.](https://millionrounds.com/company/standard-cognition) Checkout Technologies creates AI powered technologies to reshape and enhance the relationship between physical retailers and shoppers. *Founded* 2017 San Francisco, United States **$86M** last round Apr 2024
- 44 [**Abra** Abra is a global platform specializing in digital asset prime services and wealth management.](https://millionrounds.com/company/abra) Abra is a global platform specializing in digital asset prime services and wealth management. *Founded* 2016 Mountain View, United States **$85M** last round Sept 2021
- 45 [**Casap** Casap is a San Francisco-based FinTech company founded in 2023, specializing in AI-powered dispute automation and fraud prevention.](https://millionrounds.com/company/casap) Casap is a San Francisco-based FinTech company founded in 2023, specializing in AI-powered dispute automation and fraud prevention. *Founded* 2023 San Francisco, United States **$81M** last round Oct 2026
- 46 [**Deserve** A mobile-first credit card platform that allows partners to offer superior personalized experiences for cardholders.](https://millionrounds.com/company/deserve) A mobile-first credit card platform that allows partners to offer superior personalized experiences for cardholders. *Founded* 2013 Palo Alto, United States **$79M** last round Nov 2019
- 47 [**Digits** Digits is an AI-native accounting software company based in San Francisco, California.](https://millionrounds.com/company/digits) Digits is an AI-native accounting software company based in San Francisco, California. *Founded* 2018 San Francisco, United States **$76M** last round Mar 2022
- 48 [**Bretton AI** Bretton AI is an enterprise software company based in San Francisco, California, specializing in an agentic AI platform designed for financial crime operations](https://millionrounds.com/company/bretton-ai) Bretton AI is an enterprise software company based in San Francisco, California, specializing in an agentic AI platform designed for financial crime operations *Founded* 2023 San Francisco, United States **$75M** last round Feb 2026
- 49 [**Cape Analytics** Cape Analytics provides AI and analytics services for properties.](https://millionrounds.com/company/cape-analytics) Cape Analytics provides AI and analytics services for properties. *Founded* 2014 Palo Alto, United States **$75M** last round Jul 2021
- 50 [**Windfall** Windfall Data, Inc.](https://millionrounds.com/company/windfall) Windfall Data, Inc. *Founded* 2016 San Francisco, United States **$74M** last round Apr 2025

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose funding rounds we classed as this sector, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

Open any company for its rounds and investors, or search the investors who back fintech startups in Bay Area in the app, with filters, lists and exports.

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## More fintech lists

[See all](https://millionrounds.com/top-lists?t=Fintech)

[*AF* *R* *S* **Fintech startups worldwide** 3,200 companies · $94B](https://millionrounds.com/top-lists/fintech-startups)[*R* *S* *K* **Fintech startups in the United States** 1,301 companies · $55B](https://millionrounds.com/top-lists/fintech-startups-united-states)[*S* *K* *FC* **Fintech startups in Europe** 749 companies · $30B](https://millionrounds.com/top-lists/fintech-startups-europe)[*R* *K* *R* **Fintech startups that raised in 2026** 665 companies · $30B in 2026](https://millionrounds.com/top-lists/fintech-startups-raised-2026)[*FC* *R* *C* **Fintech startups in the United Kingdom** 342 companies · $23B](https://millionrounds.com/top-lists/fintech-startups-united-kingdom)[*R* *K* *R* **Fintech startups in the United States that raised in 2026** 257 companies · $22B in 2026](https://millionrounds.com/top-lists/fintech-startups-united-states-raised-2026)[*K* *P* *I* **Fintech startups in New York** 217 companies · $21B](https://millionrounds.com/top-lists/fintech-startups-new-york)[*P* *T* *C* **Fintech startups founded in 2020** 179 companies · $12B](https://millionrounds.com/top-lists/fintech-startups-founded-2020)

## More lists for Bay Area

[See all](https://millionrounds.com/top-lists?r=Bay%20Area)

[*O* *D* *W* **AI startups in Bay Area** 1,959 companies · $375B](https://millionrounds.com/top-lists/ai-startups-bay-area)[*AL* *RM* *F* **Health startups in Bay Area** 959 companies · $33B](https://millionrounds.com/top-lists/health-startups-bay-area)[*W* *C* *G* **Deep tech startups in Bay Area** 231 companies · $61B](https://millionrounds.com/top-lists/deep-tech-startups-bay-area)[*G* *A* *SA* **Enterprise software startups in Bay Area** 99 companies · $5.0B](https://millionrounds.com/top-lists/enterprise-software-startups-bay-area)[*GC* *PF* *PS* **Energy startups in Bay Area** 76 companies · $8.1B](https://millionrounds.com/top-lists/energy-startups-bay-area)